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2 Peter 3:15-19

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 15 And know that the longsuffering of our Lord is salvation; even as our beloved brother Paul, according to the wisdom given to him, has written to you,

 16 As he does in all his letters, speaking in them of these things. There are some things in his letters that are hard to understand, which those who are unlearned and unstable wrest [twist] to their own destruction, as they also do the other scriptures. [Who are the unlearned? Those who have only studied the scriptures without dedicating themselves to waiting on God to be taught by Him, led by Him, and had even their desires for sin to destroyed by Him; so that all their thoughts, words, and deeds were supplied by the Holy Spirit.]

 17 Therefore, beloved, since you know these things beforehand, beware lest you also, being led away by the error of the wicked,4 fall away from your own steadfastness. [The error of the wicked is to believe that by grace God licenses the continuation of sin until death in believers.]

 18 But grow in grace,5 and in the knowledge of our Lord and Savior Jesus Christ. To him be glory both now and forever. Amen. [This shows grace is not instantly received as salvation upon belief. What more grace could be received than salvation? But you must grow in grace, until the Spirit has put to death all the lusts, pride, and passions of the sinful nature before you will ever see salvation.]

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5 grow in grace. If grace is instant salvation, how can you grow in grace? What more grace is there than salvation? Of course, grace is not instant salvation. Grace is a teaching process of repentance from lusts to godly living in purity, bringing salvation and seeing God.
Grace is correctly defined by the Apostle Paul in Titus 2:11-14: For the grace of God that brings salvation has appeared to all men, Teaching us to deny ungodliness and worldly lusts, and how to live soberly, righteously, and godly, in this present world; as we receive the blessed fulfillment of our hope, even the glorious appearing of the great God and our Savior Jesus Christ, who gave himself for us, that he might redeem us from all iniquity [lawless deeds, sin], and purify for himself a people who are his very own, zealous for good works. Titus 2:11-14.

(Whoever commits sin also practices lawlessness; for sin is lawlessness. 1 John 3:4)

Therefore be resolute of mind, be sober, and hope to the end for the grace that is to be brought to you at the revelation of Jesus Christ; 1 Peter 1:13.
So the culmination of grace is brought to you at the end, the revealing of Christ within a man.
The Kingdom and salvation are brought to you by the grace of God; you see Jesus bring your salvation.

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